# ECB MFI Mortgage & Consumer Credit Interest Rates (Euro Area)

> ECB MFI Mortgage & Consumer Credit Interest Rates (Euro Area) is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-16).

Returns average new-mortgage and new-consumer-credit interest rates for a euro area country with monthly history, or a cross-country ranking, sourced from official ECB MFI statistics.

## Facts

- Endpoint: POST https://api.vextorium.com/hipotecas-tipos-ue-pago?utm_source=zero.xyz
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ecb-mfi-mortgage-consumer-credit-interest-rates-euro-area-dd0061e8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_koENmuDm9wGS9rLtsO5cF

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability ecb-mfi-mortgage-consumer-credit-interest-rates-euro-area-dd0061e8 -d '<json body>'
```

Example prompt: What are the current mortgage and consumer credit interest rates in Spain according to ECB data, and how have they evolved over the last 12 months?

## When to prefer this

Choose this endpoint when you need official ECB-sourced interest rate data for new mortgages or consumer credit in euro area countries, especially for monthly historical series or cross-country rankings. Prefer it over generic financial data APIs when ECB MFI statistical accuracy and euro area coverage are required.

## Known failure modes

- Invalid or non-euro-area country code returns an error or empty result
- Months parameter outside 1-60 range may be rejected or clamped
- ECB data lag may mean the most recent month is not yet available
- Requesting a country not covered by ECB MFI statistics returns null or empty series

## How this service works

Average interest rate on new mortgages (cost of borrowing for house purchase) and new consumer credit in a euro area country, with monthly evolution; without a country, a ranking. Official ECB MFI interest rate statistics.

## Output

A JSON object containing the country zone code, country name, a monthly time series array of mortgage and consumer credit rates (each with month, zone, consumo_pct, hipotecas_pct), the latest month's values, and the data source attribution (ECB MFI). Without a country, returns a cross-country ranking.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "pais": {
   "type": "string",
   "description": "Euro area country code or EA; omit for ranking"
  },
  "meses": {
   "type": "integer",
   "description": "Months of history (1-60, default 12)"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "nota": "Tipo medio de las operaciones nuevas de ese mes (TAE-coste total para hipotecas).",
  "zona": "ES",
  "serie": [
   {
    "mes": "2026-03",
    "zona": "ES",
    "consumo_pct": 6.84,
    "hipotecas_pct": 2.75
   },
   {
    "mes": "2026-04",
    "zona": "ES",
    "consumo_pct": 7,
    "hipotecas_pct": 2.8
   },
   {
    "mes": "2026-05",
    "zona": "ES",
    "consumo_pct": 6.8,
    "hipotecas_pct": 2.85
   },
   {
    "mes": "2026-06",
    "zona": "ES",
    "consumo_pct": 6.83,
    "hipotecas_pct": 2.89
   },
   {
    "mes": "2026-07",
    "zona": "ES",
    "consumo_pct": 6.96,
    "hipotecas_pct": 2.89
   },
   {
    "mes": "2026-08",
    "zona": "ES",
    "consumo_pct": 7.16,
    "hipotecas_pct": 3.04
   }
  ],
  "fuente": "Banco Central Europeo, MIR",
  "nombre": "Spain",
  "ultimo": {
   "mes": "2026-08",
   "zona": "ES",
   "consumo_pct": 7.16,
   "hipotecas_pct": 3.04
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ecb-mfi-mortgage-consumer-credit-interest-rates-euro-area-dd0061e8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)